ENB Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	88.7	81.23	73.06	61.24	41.94	34.25
Interest Income on Investments	22.97	24.88	19.81	16.64	14.02	9.35
Total Interest Income	111.67	106.11	92.87	77.88	55.96	43.59
Interest Paid on Deposits	28.97	29.79	30.41	18.77	2.75	1.14
Interest Paid on Borrowings	8.72	7.62	5.71	5.07	2.63	1.88
Total Interest Expense	37.69	37.41	36.13	23.84	5.38	3.02
Net Interest Income	73.98	68.7	56.74	54.04	50.58	40.57
Net Interest Income Growth	15.94%	21.08%	5.00%	6.83%	24.68%	6.07%
Trust Income	3.94	3.6	3.67	2.88	2.64	2.36
Gain (Loss) on Sale of Investments	0.13	-0.21	0.16	-1.5	0.01	1.05
Other Non-Interest Income	13.51	12.76	12.48	10.55	9.61	8.94
Total Non-Interest Income	19.57	18.04	18.13	12.7	13.56	17.88
Non-Interest Income Growth	20.14%	-0.51%	42.77%	-6.38%	-24.14%	16.41%
Revenues Before Loan Losses	93.55	86.74	74.87	66.74	64.15	58.45
Provision for Loan Losses	-0.21	0.89	1.02	0.52	1.3	0.48
Revenue	93.76	85.85	73.86	66.22	62.85	57.98
Revenue Growth	20.79%	16.25%	11.54%	5.36%	8.40%	14.45%
Salaries and Employee Benefits	36.72	34.62	33.98	30.09	27.31	24.47
Occupancy Expenses	3.29	3.08	2.84	2.79	2.52	2.41
Selling, General & Administrative	16.81	14.37	12.55	13.33	10.99	8.78
Other Non-Interest Expense	6.2	6.35	5.86	5.2	5.1	4.79
Total Non-Interest Expense	63.01	58.42	55.23	51.41	45.93	40.44
EBT Excluding Unusual Items	30.75	27.43	18.63	14.81	16.92	17.54
Pretax Income	26.33	26.74	18.63	14.81	16.92	17.54
Income Tax Expense	5.17	5.18	3.31	2.44	2.29	2.62
Net Income	21.16	21.56	15.32	12.38	14.63	14.92
Net Income to Common	21.16	21.56	15.32	12.38	14.63	14.92
Net Income Growth	23.11%	40.75%	23.77%	-15.42%	-1.91%	21.28%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change	0.61%	0.31%	0.24%	1.00%	0.37%	-0.27%
EPS (Basic)	3.72	3.80	2.71	2.19	2.62	2.68
EPS (Diluted)	3.72	3.80	2.71	2.19	2.62	2.68
EPS Growth	22.33%	40.33%	23.47%	-16.26%	-2.27%	21.61%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.720	0.720	0.690	0.680	0.680	0.670
Dividend Growth	1.41%	4.35%	1.47%	0%	1.49%	4.69%
Effective Tax Rate	19.64%	19.36%	17.76%	16.45%	13.52%	14.94%